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Open Enrollment

May 2, 2016 8:00 a.m. - June 3, 2016 5:00 p.m. (MDT)

If you are happy with your current medical and dental plan you do not need to make any changes.

USU Benefits Open House

USU Human Resources representatives and benefits vendors will be available to assist you and answer questions relating to benefits and open enrollment. To make an appointment to meet with a representative during the Open Houses, please visit: conference.usu.edu/OpenHouse  May 23, 24, 25, 26  9:00 a.m. - 4:00 p.m. Center and West Colony Rooms, TSC

What's New:

Effective July 1, 2016, the Utah State University medical plan under Regence Blue Cross Blue Shield will cover Autism Spectrum Disorder as follows:  up to 600 hours of behavioral health treatment will be available for children from ages 2 through 9 that have been diagnosed with an Autism Spectrum Disorder.  The therapeutic care available includes services provided by speech therapists, occupational therapists, and (or) physical therapists.  This benefit is subject to the Plan’s stated visit limits and regular cost sharing arrangements.  This benefit will also apply to the Plan’s stated Out-of-Pocket Maximum.  Mental health services require pre-authorization.  There are no covered benefits for services received from Out-of-Network providers.

Introducing EyeMed Supplemental Vision Benefits Plan. EyeMed is a new voluntary supplemental vision plan for USU Benefit Eligible employees. EyeMed offers five of the top six most admired national retail chains as in-network options. An EyeMed representative will be available for questions during the USU Benefits Open Enrollment Open Houses.

EyeMed Monthly Premiums:
Employee Only $5.86
Employee Plus One Dependent $11.14
Employee Plus Two or More Dependents $16.36

Two Medical Networks

The network options are:

Provides access to 40 Utah hospitals including Logan Regional Hospital, Cache Valley Specialty Hospital, University of Utah Hospital, Huntsman Cancer Hospital and Primary Children’s Hospital.

This is the broadest network offered. It currently provides access to 49 Utah hospitals including Logan Regional Hospital, Cache Valley Specialty Hospital, University of Utah Hospital, Huntsman Cancer Hospital, Primary Children’s Hospital and McKay-Dee Hospital

 

USU Medical Plan Comparison

USU works with Blue Cross Blue Shield to offer 2 medical networks and 3 medical insurance plans to choose from. These plans are available to benefited and ACA eligible employees. Please direct questions to the Benefits Helpdesk at (435) 797-0122

Wellness (White)

The coinsurance rate is 70/30

Deductible per Person $750
Deductible per Family $1500

Doctor Visit Co-Pay after deductible $35
Hospitalization Co-Pay after deductible $250

Maximum Out-Of-Pocket per Person $3,750
Maximum Out-Of-Pocket per Family $7,500

Generic prescription $5
Formulary prescription 35%
Non-Formulary prescription 50%

RX Co-insurance Maximum per Person $1,500
RX Co-insurance Maximum per Family $3,000

View Summary of Benefits and Coverage.

View Premiums »

With this plan you have the option to also enroll in Flex Spending

High Premium (Blue)

The coinsurance rate is 80/20

Deductible per Person $500
Deductible per Family $1,000

Doctor Visit Co-Pay after deductible $30
Hospitalization Co-Pay after deductible $200

Maximum Out-Of-Pocket per Person $3,000
Maximum Out-Of-Pocket per Family $6,000

Generic prescription $5
Formulary prescription 35%
Non-Formulary prescription 50%

RX Co-insurance Maximum per Person $1,250
RX Co-insurance Maximum per Family $2,500

View Summary of Benefits and Coverage.

View Premiums »

With this plan you have the option to also enroll in Flex Spending

Choice High Deductible Health Plan (HDHP)

The coinsurance rate is 80/20

Deductible per Person $1,500
Deductible per Family $3,000

Doctor Visit Co-Pay after deductible 20%
Hospitalization Co-Pay after deductible 20%

Maximum Out-Of-Pocket per Person $5,000
Maximum Out-Of-Pocket per Family $10,000

Generic prescription 20% after deductible
Formulary prescription 20% after deductible
Non-Formulary prescription 20% after deductible

RX Co-insurance Maximum per Person n/a
RX Co-insurance Maximum per Family n/a

View Summary of Benefits and Coverage.

View Premiums »

The Choice HDHP is a non-traditional plan with the option of a Health Savings Account.

Regence Advantages - Health-related products and services available to those on the Regence Blue Cross Blue Shield medical insurance. 

HealthSparq - A Tool to Compare Health Care Costs and Find Providers

HealthSparq takes the guesswork out of health care shopping. Find costs customized to you, read reviews and search for doctors click here to visit HealthSparq now to log in or create an account

 

Ready to Enroll or Make Changes To Medical and/or Dental?

If you are happy with your current medical and dental plan you do not need to make any changes.

  1. Between May 2- June 3, 2016,Go to Service Now and login with your A number and password
  2. Click on the Service Catalogs Link and select the Human Resources tile
  3. Click on Medical and Dental Enrollment
  4. Select the appropriate form.
  5. Verify your family members. This is a list of all your family members from Banner Access. If someone needs to be updated or added click “Update Family Members” this will direct you to Access Banner.
    • Note: If adding a family member for the purpose of insurance you are required to attach proof of the relationship via ServiceNow (e.g marriage certificate, birth certificate, or adoption document).
  6. Verify that all eligible dependents are to be added to the insurances. When selecting "No," please include the details in the coverage comments box.
  7. Select “yes” to the agreement and click Submit Now

If you cannot complete the online enrollment please contact us at (435) 797-0122

USU’s Pharmacy Benefit Manager

For employees participating in the High Premium Blue Plan and the Wellness White Plan, VRx Pharmacy Services will continue to be your pharmacy benefit manager.

Regence BCBS will continue to provide pharmacy benefits for employees on the Choice High Deductible Plan. 

Be sure to give your pharmacy your new insurance card if your changed plans and pharmacy benefit managers. This will ensure that they can correctly bill your perscriptions.

Contact VRx

Customer Service  855-586-2569
Email HELP@myvrx.com
www.myvrx.com

Contact Regence BCBS 

Customer Service 866-240-9580
www.regence.com 

Dental insurance is provided by Regence BCBS of Utah

  • Examinations, fillings, X-rays, sealants, etc., covered at 80%.
  • Sealants are covered for dependent children only.
  • Maximum benefit per person per contract year is $1,500.
  • Prosthetics: Dentures, bridges, crowns, implants, etc., covered at 50%.
  • Orthodontics: Eligible benefits are paid at 50%.
  • Maximum benefit on orthodontics is $1,500 per person per lifetime

    Ready to Enroll or Make Changes To Medical and/or Dental?

    If you are happy with your current medical and dental plan you do not need to make any changes.

    1. Between May 2- June 3, 2016,Go to Service Now and login with your A number and password
    2. Click on the Service Catalogs Link and select the Human Resources tile
    3. Click on Medical and Dental Enrollment
    4. Select the appropriate form.
    5. Verify your family members. This is a list of all your family members from Banner Access. If someone needs to be updated or added click “Update Family Members” this will direct you to Access Banner.
      • Note: If adding a family member for the purpose of insurance you are required to attach proof of the relationship via ServiceNow (e.g marriage certificate, birth certificate, or adoption document).
    6. Verify that all eligible dependents are to be added to the insurances. When selecting "No," please include the details in the coverage comments box.
    7. Select “yes” to the agreement and click Submit Now

    If you cannot complete the online enrollment please contact us at (435) 797-0122

Premiums

 Dental Plan

 Monthly Premiums

 Employee Only  $10.42
 Employee Plus One Dependent  $18.18
 Employee Plus Two or More Dependents  $32.96

Vision Benefits provided by EyeMed

  • Introducing EyeMed Supplemental Vision Benefits Plan. EyeMed is a new supplemental vision plan for USU Benefit Eligible employees. EyeMed offers five of the top six most admired national retail chains as in-network options including: LensCrafter, Sears Optical, Target Optical, JCPenney, Optical and most Pearle Vision locations. In addition, EyeMed offers more independent vision care providers than anyone. 
  • Above all else, Eyemed makes vision care easy. They have member tools that save time, save hassle and provide you with a piece of mind. EyeMed's Award-winning Customer Care Center is open day an dnight 7 days a week. EyeMed Vision plans start at $5.86 per month and are avaialble through USU beginning July 1, 2016.
  • Please Visit www.eyemed.com for more information.
  • An EyeMed representative will be available for questions during the USU Benefits Open Enrollment Open Houses. To make an appointment to meet with a representative during the Open Houses, please visit: conference.usu.edu/OpenHouse  


Ready to Enroll in the EyeMed?

  1. Between May 2- June 3, 2016,Go to Service Now and login with your A number and password
  2. Click on the Service Catalogs Link and select the Human Resources tile
  3. Click on Medical and Dental Enrollment
  4. Select the EyeMed Form.
  5. Verify your family members. This is a list of all your family members from Banner Access. If someone needs to be updated or added click “Update Family Members” this will direct you to Access Banner.
    • Note: If adding a family member for the purpose of insurance you are required to attach proof of the relationship via ServiceNow (e.g marriage certificate, birth certificate, or adoption document).
  6. Verify that all eligible dependents are to be added to the insurances. When selecting "No," please include the details in the coverage comments box.
  7. Select “yes” to the agreement and click Submit Now

    If you cannot complete the online enrollment please contact us at (435) 797-0122

PLAN INFORMATION: Co-Pays and Coverage CLICK NOW for The Summary of EyeMed Benefits - note this is a PDF link

Premiums

 

 Vision Plan

 Monthly Premiums

 Employee Only  $5.86
 Employee Plus One Dependent  $11.14
 Employee Plus Two or More Dependents  $16.36

Now is the perfect time to try HealthSparq

With a new health plan year upon us, now is a perfect time to try HealthSparq - a medical shopping tool to find doctors, compare costs, and connect with a doctor online. HealthSparq takes the guesswork out of important health care decisions and will save you time in the process. Whether you have an urgent need, want to schedule a routine exam, or are looking for guidance on an elective medical treatment, HealthSparq can help – anytime, anywhere.

Now you can easily:

  • Find doctors. Identify providers by medical specialty or facilities that specialize in the procedure you need. You can also filter by gender and network and sort by distance
  • Compare costs. Calculate and compare the cost for office visits or medical treatments by providers who meet your criteria
  • Get personalized estimates. Once you link your Regence health plan information, you’ll be able to see your share of the cost for health care services, taking into account your deductible and other important plan details. HealthSparq will help you spend your health care dollars wisely
  • Read patient reviews. Ensure the providers you’re considering get top marks. Read reviews by actual patients. 
  • Set up medical appointments. The Health Care Advisors can quickly and easily set up medical appointments for you, saving you the trouble.  
  • Get a medical bill check up. Our partner, CoPatient, will review your medical bills for free and alert you to any savings opportunities. Learn more at copatient.com/usu

MDLive

What’s more, HealthSparq provides you access to MDLive. You now have a convenient and affordable way to connect with a doctor on your schedule. MDLive lets you consult with a board-certified doctor online or over the phone, 24 hours a day, 7 days a week, even holidays. Best of all, this service only requires a $10 co-pay. Get started now with MDLive.

Get started now

  • Visit HealthSparq or
  • Connect with a Health Care Advisor – a health care expert - who can help you find convenient, high-quality health care at the best price and help you navigate the tangled world of health care. They are available Monday through Friday 7 a.m.– 5 p.m. Pacific Time at (866) 228-7001, by phone or by chat.

Try it. Be a part of the revolution in health care shopping!

These short videos will help you learn how to use HealthSparq:

#1– Intro and Getting Started
#2 – Learn about Health Care Costs
#3 – Find a Doctor, Hospital or Specialist


Flexible Spending Account (FSA) - Is it Right for You?

*You Must Enroll Every Year*

The FSA is available for those who enroll in the Wellness (White) and High Premium (Blue) plans. If you enroll in the Choice (HDHP) plan you do not qualify for the Medical FSA, but you may contribute to the Dependent Care FSA.

Utah State University offers employees a Flexible Spending Account (FSA) for both health expenses and dependent care expenses that are incurred during the plan year. Employees allocate a portion of monthly earnings, pre-tax, that can be used for health or dependent care expenses, which can result in substantial tax savings to employees who participate in the FSA.

The maximum you may set aside for health expenses is $2,550 per year. Dependent care maximum amount is $5,000. To participate, you must sign up ANNUALLY online during open enrollment. To enroll go to enroll.asiflex.com and use the employer code USU. Remember that the money you set aside in your flexible spending account must be used within the same plan year.

MEDICAL AND DEPENDENT CARE FLEX SPENDING : Expenses may be incurred from July 1, 2016 through September 15, 2017. Medical and dependent care receipts must be submitted for reimbursement by December 15, 2017.

  • FlexMinder: FlexMinder can monitor your health plan expenses through Regence BCBS to identify claims with qualified out-of-pocket health care expenses that can be reimbursed from your health care FSA. You can then direct FlexMinder to prepare and submit FSA claims for the identified claim amounts. This can be done as frequently as you wish. You can also allow FlexMinder to “shoe-box” the identified claims throughout the year and then submit only once at the end of the plan year. To learn more and to sign up, log into your FSA account at ASIflex.com and click on the FlexMinder icon.
  • ASI Flex Mobile App: You can check your FSA account balance and file claims from your mobile device. The ASI Flex Mobile App is available at ASIflex.com, Google Play Store, or the App Store.

Note: If you elect the “Choice” HDHP, you are not eligible for the medical flex spending account, but you may sign up for the dependent care account.

Enrollment

Online Enrollment for Medical and Dependent Care Flex Spending. The employer code requested is: USU

Other Resources

ASI FLEX Overview
Instructions to Enroll Online
ASI FLEX Expense Planning Worksheet
Eligible Over the Counter ASI FLEX Expenses
Mobile App for ASI FLEX 
Flex-Minder Information 
Flex Store Information
Other Information from ASI Newsletter

Health Savings Account (HSA)

Previous Contributions Continue - You May Adjust Contributions at Any Time

The Choice High Deductible Health Plan (HDHP) encourages wellness and prevention, wise spending, and health-related savings. The HSA is available in conjunction with the HDHP.

An H.S.A. is a triple-tax-advantaged account where your contributions, account earnings, and qualified withdrawals are tax-free. It is an individual account specifically for qualified medical expenses. USU partners with HealthEquity, an industry leader in H.S.A. administration.  Visit Health Equity to learn more about them.

The money you contribute into your H.S.A. is in an account controlled by you and it earns interest. It allows you to save as your budget allows so you’re prepared when those expenses come up.

H.S.A. money belongs to you if you change medical plans, take another job, or retire. You can make tax free contributions in 2016 to your H.S.A. up to $3,350/single or $6,750/family. This money continues to roll over each year.

Note: if you have “other coverage” such as coverage on an HSA qualified HDHP you are not eligible to both contribute to an H.S.A. due to tax implications.

Open your HSA or change your contributions (can be completed on a month to month basis)

1) Use the Online Form or
2) Deliver the Paper Form to Human Resources

The Hartford - Life & Disability Insurances

SUPPLEMENTAL LIFE INSURANCE: The open enrollment period is the time to purchase additional Supplemental Life Insurance for yourself or your dependents. If you are interested in Supplemental Life Insurance, you may purchase it from The Hartford Insurance Company.

SHORT-TERM DISABILITY INSURANCE: If you have not already purchased Short-term Disability Insurance, you have the opportunity to apply for it during open enrollment. This is a very inexpensive way to protect your income if you experience a short-term disability.

During open enrollment, The Hartford will send a letter to your home explaining the premiums and coverage you have and how to make changes online or request Supplemental Life Insurance or Short-term Disability Insurance.

You may be required to provide evidence of insurability for Supplemental Life Insurance and Short-term Disability Insurance which may include a health questionnaire or exam. The Hartford will communicate directly with you regarding additional information required once they receive your request. Open enrollment is a good time to check beneficiary information on your life insurance policies.

Hartford - Life and Short Term Disability Insurances.

Zurich - Accidental Death and Dismemberment Insurance

During open enrollment, you may purchase Supplemental Accidental Death and Dismemberment (AD&D) Insurance from The Zurich Company. If you purchase AD&D insurance from The Zurich Company you will also have access to travel assistance insurance that offers medical, legal, and personal assistance when you are 10 or more miles from home.

Only During Open Enrollment

MetLaw Prepaid Group Legal / Hyatt Legal Plan

With MetLaw, the group legal plan made available by Hyatt Legal Plans, Inc., a MetLife company, you have access to a network of attorneys on retainer for a low monthly premium paid via payroll deduction.  The monthly premium is $21.25.  You will have access to legal services and representation from local attorneys on a wide range of matters including wills and estate planning, financial matters, real estate, traffic offenses (DUI not included) and more.  There are no co-pays or deductibles.  For example, you can have a local attorney prepare full estate planning documents for you and your spouse for just $21.25 per month.
To learn more call 1-800-821-6400.

Once enrolled, you will be required to remain in the plan for the full benefit plan year.  If you are already enrolled in the plan your coverage will automatically renew unless you call during open enrollment to cancel.

Bonus: New this year, by participating in the MetLaw® group legal plan, you are eligible for an additional discount on MetLife auto insurance of up to 10%.  If you’re currently eligible you will need to call MetLife to have this discount applied.  For more information call 1-800-GET-MET8 (1-800-438-6388).

MetLaw Hyatt Legal Services: Online Enrollment for MetLaw

 You can view a PDF version of the Open Enrollment Booklet that was mailed to your home.